Financial Audit - I've Finally Met My Match | Financial Audit

Episode Date: August 20, 2025

▶▶ This post show is willdddd- I make him call his old boss and ask for his job back. I've never had a post show like this before, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. ▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Build credit fast with 80% off the first month (that's just $1!) at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! Pioneering global protection with tech you can trust. We are The Guild, and together, we won’t fear tomorrow. Learn more about The Guild at https://theguild.io/ Try InVideo AI for free - https://invideo.io/i/CalebHammer. You can use my code 'CALEBHAMMER50' to get twice the number of video generation credits in your first month. ▶▶▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶▶▶▶▶▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ ___________________________________________ ▶RESOURCES 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶More Content 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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How are you surviving? How are you surviving? I'm sorry, what are you trying to say here? I think it has to do with you having a Tesla. Looks like you don't get your hands dirty. I'll give you a financial audit, but I don't know if you have the ability to make it in life. Bundle all of my educational programs I've, ever made plus the premium version of my budgeting app for not only 80% off but also with a free

trial today at dollarwise.com join the tens of thousands of people who've changed their lives and joined dollar wise central right now for free hi my name is matthel 33 from central coasts central coasts means a lot to some people i'm sure yeah what the fuck is that that is in between Central Coast where? Santa Barbara and California. Are you trying to say California? No, Nevada. Yes, California.

Why would the fuck would I know what Central Coast is? Whoa. Are you from there? Yes. So that's why you know what it is. Yeah, yeah. Okay, cool.

From Central Coast. That's the name of the town? Name of the town is Santa Maria. So now I feel like I've actually heard of that. Wine country? Yep, I know wine country. I know everything except for the thing you opened with. 33 years old.

They call it that Central Coast. I'm sure they do. It's probably just me. But that's okay. Well, welcome. Thanks for coming over, man. I really do appreciate it. It's a nice little travel from there,

especially early in the morning. Yes. What do you do for a living in Central Coast? Starting entrepreneur. I want to be a... That's not a job. Mechanic. There's your job.

What do you make doing mechanic? Say that again? Can you speak up? Is it because of the mechanic? Is it because of the mechanic? Is that why you can't hear? Yeah, that's a lot of, you know... I mean, you wouldn't know.

It looks like you don't get your hands dirty. What do you say fuck me for? What the fuck is that? You say, you say, I'm kind of slow because of the mechanic. No, I asked if you can't hear. You wouldn't know. Do you even know how to turn a wrench? Do you practice that?

No. Buddy, I asked if you can't hear. hear because of the mechanic noises, not because I didn't say slow, but now you're making me question it. All right. Continue. No, do you have hearing problems? I want to know for continuing this episode. No.

What do you make, Guy, in your mechanic position? Roughly, monthly, like about 10 to 15 grand. Whoa, that's incredible, Nat. Nat, is that what hits your account? Yes. That's incredible. I didn't know we allowed to make that. much money.

So, what do you do with that, man? There shouldn't be much of a struggle. I use it to go out instead of being responsible and paying bills. Well, okay. Sounds like someone who knows what the fuck is going on. Why don't you stop going out and use it to pay the bills? I pretty much been like that all my life. So, I mean, just to change, I can't.

It's hard to wrap around. You cannot change. I can. But part of you change. What part of you cares more, the lower part? Which one's the lower part? Oh. You're talking about your d.

You f. No. Like, poxed. Oh, if. Actually? No, I'm missing. Buddy. You're in a podcast.

Try to talk to me here. What's going on? Oh, okay. Yeah, let's just, let's do that. What is going on? Whole lot of nothing. Okay. So, like I said, just barely started my own business. I'm trying to be an entrepreneur, trying to get things on, you know, in order to, you know, make it a career. Well, what's your, okay, being an entrepreneur isn't a career. What, what are you trying to entrepreneur too? mainly automotive

like kind of everything in the car world okay so you're mechanic right now you don't work for yourself you work for someone else so I do work for myself right now okay so you're already an entrepreneur

that's working then so what's the attempt it sounds like you've done it doesn't feel like it why I don't know I'm not

doing things correctly maybe oh boy all right I mean, help me out. Can you kind of sense where I'm heading? No, because I am literally just trying to get answers and you're not willing to give them. Okay, so how long have you been an entrepreneur?

How long have you been trying to do car things? I've been doing cars for about 10 plus years. On your own. Oh, on my own? Recent, a couple months. So I left the... So you can't say for a couple months you bring in 15,000 hours a month, can you? Have you been doing it for a couple months?

Consistently, no. It's been two months. So you're saying one month you did the other month? You didn't? Yes. Okay. So you're giving me a $15,000 a month average based on one month banking 15, the other making zero?

Well, not zero. Necessarily. What did you make? Close to 10. Okay. So there we go. But because of two months, you think you're making 10 to 15 forever? Okay.

That's what it feels like. Sure. So what led to that big, out-of-the-box automotive income? Because that is quite good. I'm a little concerned now that I know it's your business and based on the five minutes I've been able to talk to you, that that is likely not net income after costs. No. Okay. I asked you at the beginning if it was net and you said yes. Oh my goodness. Forgive me. You're forgiven. All right.

But I was led astray in terms of what I thought you were making. So do you know your overhead? What do you know about your business? What can we talk about with that? Overhead is just one at the moment, just me. Okay, there's more overhead than just payroll. Okay. You have a location?

No, I'm mobile. Okay, so gas and maintenance on your thing and tools and equipment and parts that you're buying, right? Yes. That's costing the business. Okay. before you get paid. Before I get paid. Oh.

Okay. And has a car fallen on your head during one of these mechanic jobs you've had? You know what? I don't really have a business plan right now. That's... Well, no. I could have said that, you know? I don't think we needed you to say that.

I think that was pretty clear. That was more clear than I think actually anything you've said so far. So you went on on your own. What were you making in the job before this? So before that I was making like $80,000 a year. Okay, and that's not bad. Yeah. 80,000 gross or not?

Gross. Okay. Still certainly not bad. I'm sure it's a pretty expensive area. I mean, we got the median income on an automotive technician in Santa Maria, California is around $55,708. You were doing well. And now you're on your own.

How did you hit it out of the just out of the gate so big, though? And I'm also concerned that you really don't know how much it came in if we're being completely honest. But. So, how'd you do so? Well, the gate big guy. I have a couple of cars that I bought, you know,

okay. And I think that part of that is, you know. So it wasn't your business of doing automotive stuff for other people. You just sold cars that you already had that you flipped. Well, that is, that's business. That's part of my business. What is your business then?

Just tell me your business. Mechanic working on cars. Other people's cars are your cars? Is you flipping? What is the business? Other people's cars. Okay. Including cars that I buy from other people.

Or it's even the cars from the people that I buy that they can't afford a fix. How much of that came from you selling a car you purchase? just and flipped. A little less than half. Okay, so your actual automotive work was like $5,000. And then you already had these cars that you flipped and sold.

Because it's not an insta turnaround. You're not do that in two months. Exactly. Come on. I'm carmaromic, but I at least know that. Buddy. Also, and I don't understand what the fuck you're talking about.

I had $5,000 that even came in. So what are you talking about 10 to 15 in the last two months? I mean, objectively, that is not what I saw. That is not what is listed here. Yeah, it's because I don't track. Track, how'd you tell me 15? How'd you even tell me 10 to 15 then?

Big guy. How'd you even tell me 10 to 15? That's what I feel is coming in. Feel? What the fuck is I feel 10 to 15? Yeah, I mean, yeah, it's money that comes in. I don't necessarily count. on it or, you know, make, um, oh, yeah.

I mean, do you track everything you do? Yes. I have concerns of how you go to, right? I live off of, um, I need to relax. Yes. Okay. So I could go for a relax. Okay.

Well, what are you trying to say? That you're being a little bit too harsh on me not keeping track of my finances. buddy i've been like so gentle on you because i don't want to be clipped for for what yelling at a handicapped individual says first of all you look like a Tesla driver i just tell you that boom roasted i have a Tesla as in a car that goes faster than your cars ever go and will drive itself while doing it yes that is true yes

2.5 seconds to 60 what about you more like 2.5 and 10 seconds But how long can you do that, huh? Nobody likes a quick finisher. I always have them coming back. It's mostly because I didn't provide enough to begin with, but yes. I'm sorry, what are you trying to say here? So I'm being too hard on you?

Yeah, the fact that you have a business and you don't know what the business makes, and the first question that is asked on the show is, how much do you make? I think it has to do what you having a Tesla. Oh, no. You're not able to milk me for endless repairs because a cigar that doesn't need. maintenance. It's like your industry is going away because no one gives a fuck anymore about keeping you people alive for scamming everyone.

Oh, scamming easy. Oh, come the fuck on. Oh. Honest work right there. Okay. Well, sorry for going too hard on you guy, I guess, except not really because I've barely gone hard on you at all. It's just dramatically concerning.

How the fuck do you not know what is coming in in your business? That is not tracking everything. That is not tracking everything. That is just knowing your income. As long as I have enough to pay my bills. Okay, you don't. You have debt. So what the fuck you're talking about?

That's a lie. That's not true. What are you talking about? Okay, we know what came in. $5,000. What went out? What went out? More than that?

What went out? More than that? Try to give a number. If you can think of one, 68. It's actually kind of close. Actually, incredibly close. It was 6986.

So as long as I'm bringing enough money to pay your bills, but you're not. You're not. And you're certainly not. not setting anything aside for taxes. I know that for a fact. And it's not like all those business expenses, you might try to claim it as such,

but no. Okay. Forgive me. You're forgiven. So, but you said as long as I have enough to pay my bills, you don't, not even enough to pay your taxes, apparently.

Well, I mean, that's still for next year, so I still have time. Yes, you still have time, but what are you going to do when you owe like a months or two worth of income? in taxes. How do you pay your bills in that case?

I'll make it up. Just work more. How is that actually a solution? Why aren't you working more right now than to make more money and pay off your debt and get in more than, if the solution was work more? I am working more.

So then you can't work more if you're already working more. That doesn't make sense. How does that make sense? You just work. You just said, I will work more to pay my taxes. But if you're already working more, as you suggest you are,

how then do you work more? Well, I didn't say I was working more. I just said, I'm going to work more. No, you literally, rewind. But what are you going to do when you owe like a months or two worth of income in taxes? How do you pay your bills in that case? I'll make it up. Oh, just work that.

There you go. It was played in the video. No. Watch it back. Okay. So. So if you're not working, if you can work more then, my point was, then why aren't you working more now in order to bring in more income that actually takes care of your bills?

Why aren't you working more now and paying off? death? Because I feel like the debt is always, I mean, everybody, everybody's in debt. You're not going to tell me you met one person that's not in debt. Yes. Are you, are you in debt? I have a mortgage. That's a type of debt, isn't it?

It is a type of debt. I feel like it's, but I've met people who are debt free. So that's always going to be lingering, you know? Or not, because. Or yes, you could be debt free. But even still, I'm not anti-dead. I'm anti-bad debt. Okay.

You have bad debt. I don't see it as bad. Okay, this first card's an apple card. I know for a fact that it is a bad debt. I haven't even looked at it yet, but I know that's a bad debt. It has high interest. What is it at 20-something, 21?

That would be bad. There's people that have like 300% interest, you know. So I think I have a good. You're talking about like a payday loan. Yeah. People have it worse, you know? Yeah, people have it worse. there's someone being beheaded right now.

Why does that mean that me walking out and getting hit by buses then considered good? Just because getting beheaded is worse. I don't know. That doesn't make any sense. There's always worse. Why does that mean that doesn't all of a sudden excuse you? I believe it does because. You believe it does?

Yes. Go ahead. Try to form that thought. Hey, I'm paying the credit card off. No. You know. No. yes

wrong no I'm giving payments to the card yeah you spent 2,000 more than came in so no and again also you suggested you made two to three times as much as you actually did

so no you're not paying off debt because you're spending more than you make so oh okay no no thoughts on that he moves on go ahead continue where are you going no I'm just saying where are you going in your journey your mental

journey right now. I'm trying to make money, you know. I know. In the business, it could become very lucrative, you know. I'm talking about you getting to the end of your previous sentence. Not what you're doing in your career.

I know you're trying to make money in your job. Yes. Guy. If, what? What are you trying to say? I'm trying to say, yeah, you keep cutting me off. Whoa.

Oh, then. Ah, there. So, well, where were we with the business? Is their contest or what? I'm doing it at Tom because I'm stressed. I'm looking at Hispanic Saddam right now. Gawing! Says...

Yeah, go ahead, try. I don't hurt your feelings. Tesla? No? Spooky spooky. A little Tesla fanboy. I don't even remember. I just like driving a fast car that has better technology.

It is not a car. That is objectively incorrect. You can hate Tesla and you know it's a fast car. Unless you have the plaid, you ain't fast. I have the plan and you're still slow. Anyways, you're taking this somewhere. It's not going. Let's get back on track.

Put your glasses on. Okay. Where do you think your money's going? Come on, you're running your business. Where do you think your money's going? And I know it's all intermingled. I know for a fact. I know for a...

Hey, also, a question before that. You said you thought half your income, for the business came in through selling a car that you flipped. What did you sell it for? 4,000. Okay, you brought him five, so you only made 1,000 outside of that? No, no, no. Made it more.

No, you did not. Yes, I did. No, you didn't. I mean, I have your numbers. Was it cash? Huh? Undeposited cash? No.

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So, yeah, you brought an extra thousand. I have an Apple card. I have a Chase Freedom Unlimited. I have a PayPal card. Marriott card. Chase Freedom Unlimited card. Discover card. Chase Slate.

Chase checking. Something about rent and then a car loan. Yeah. That's for the previous month. Are those all your accounts? Yes. What's for the previous month? that I think what you're trying to say that 1,000 that I just had come in was for the previous month.

Yes, the most recent month. Yes. Yeah, not this month. You've been in business for two months. You said 15 the first month on the second. You made five, fours from selling a car. So you made 1,000 in the real part of the business. Yes.

Good. Yeah. So you agreed to it. Yes. You made 1,000. 1,000. Okay, very good. Now, oh, I guess we didn't.

have all the statements because literally the you told the producers found out about a new credit card or some card in the green room before this. Surprise. Is it brand new? Did you just open it? Yeah. It's like just yesterday.

So you're yesterday. This guy. You're coming on financial audit and you just opened a credit card the day before this? Yeah, it was a special offer. What was the offer? For special people?

Zero percent interest. For what? And how long? And that's all. It's just the fact that it's zero percent? Yeah. Borderland, every card starts a zero percent. Yeah.

Okay. So, yeah. So you open. Because my other cards were getting a little high and they do have interest, so, you know. No, you just said you're paying off your cards. Yes, but they have interest. You just said they were getting a little high. Yeah.

Balance. Which one is hence? This one's, dude, you're, I don't know. know how you even made it here. How did you even find your way to the door? Oh, this place is not hard to miss. Dude, I don't even know. We never got a full credit report from you.

We always took us a full credit report, and, you know, they're suspecting that there's more deaths that we don't even know about because you're incapable of anything. No, that is incorrect. I gave you everything. Except for the credit report that we asked for. Oh, I'm pretty sure it's there. Have you, did you, have you looked?

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Still not there. Okay, so listen, okay. So what you're trying to do is just become, you're just trying to build this business. Yes. That's the main goal. That's what we care about. Yeah. You know, I see a lot of other YouTubers, you know, make content out of cars, you know,

fixing whatever, buying rec stuff and fixing it. And then, you know. I'm sure a very saturated in market on the content side. Yeah. Okay. So that inspired you to get into cars? Is that what you're saying? No, I've been in cars way before that.

Are you saying you're trying to make YouTube? Trying to, yes. As part of advertising or as your career? More as a career. So as the cars or is the YouTube? Can I be both? Potentially, but you don't have to hyper focus. I mean, because at that certain point, I mean, let's think about it realistically.

You think the car people that are making a true living off of YouTube, you think they're curating their YouTube videos off of what's making the money in their car business? Or you think they're curating what they're doing on the cars based on what works on YouTube and makes them a living there? I haven't given a thought. I thought you haven't thought about what content to make. Okay, that's an interesting strategy for making content. Okay. And you know YouTube requires speaking in full sentences.

Yes, I do know. I want to make content with cars. No, we got that part. Yeah. You've gone... You've gone two points ago. I just said, are you going to do your YouTube content based on the work you're doing on cars that is good for your car business? Are you going to make... Are you going to do things with cars based on what's good for your YouTube business?

Because it rarely, rarely ever hits both. In fact... Well, no, obviously, it would be more on the YouTube side. Yeah. So YouTube side. Yeah. Even though you're kind of... Well, actually, not really making money from the rest of the stuff.

Yeah. So you've started a channel and you're uploading. No. See? See what? No, I'm saying see. That's where I want to get to his. Well, I mean, I do have a channel.

That's where I watch a lot of stuff. But I haven't posted anything because I'm just, I don't know where to start, you know? Post. Post? Honestly. Okay. Like without even memeing on you. Just post.

That's where people fail. Just post. start somewhere. Learn it. You don't learn it without doing it. Buddy, I don't know. I don't think you know what you're doing

when it comes to running a business at all. And no offense, but here's the thing. I mean, did you know everything when you started this? I don't think so. When I started this, no, but I wasn't jumping in out of the gate

with running a full-fledged business. What I did understand was content creation, which was the first part of it, and then I learned the business that as we've grown and we've scaled up to almost 30 employees. Okay, so I'm not a very successful

I'm not a full-blown shop. You know, it's just me and myself. Exactly, but you know nothing about YouTube. And that's okay. That doesn't mean you shouldn't start YouTube. But you're going into it thinking it's always going to be a career. That I need to put a, you know, I need to set the record straight on that, man. That is not how this works.

One, car, very saturated YouTube niche. Yeah. I know, even though I don't know about cars, I do know about that YouTube niche because my initial investor was in the car world. I sold 10% bought it back after a year. Either way. Yeah, he was in the car world. then I know how brutal that content can be over there. We've talked about it a lot.

And unless you're bringing something unique to it, which is honestly kind of hard. Even finances, it was kind of rare for me to find this unique thing. Like, I'm not gonna, I'm not jacking myself off right now. Let's just talk about the YouTube landscape to be real. Like, I did get a little lucky in this. The fact is there wasn't a true breakout shift in the finance space in years. Finance nation was kind of set.

All the players were set and came in with something fresh. The players were set. Like, what's the little short guy's name? Stefan. Graham Stefan? No, he talks at the camera and talks about financial topics. Well, isn't that what you do? Are you a moron?

Am I talking at the camera right now about financial topics? Yes, you were? No, I was. I seen your little lazy icon looking at the camera. My low lazy icon looking at the camera? Yeah, your right eye. What is he talking about? No, I'm trying to actually.

I'm trying to give genuine advice right now on the creative side. I'm not jerking myself off about how we've been successful here. I'm just trying to give an example about breaking out of the finance space. The car space is also very set. It doesn't mean people won't get in there. But what are you bringing that's interesting, that is different, that is going to get people to watch you instead of the car-related channels they've been watching forever.

Mechanic-related channels that they've been watching forever. Well, I mean, that's something you figure out as you go. I mean, you can't have you. Okay, great. So you brought in $1,000 from. your business. You thought you brought in at least five to seven.

Yeah. When it comes to that part of the business. Yeah. And it was a thousand. No, it was more than that. Literally, there's no count of it.

So. Well, then where did it come from? Huh? Where to go to? Bills. No, no.

No. Okay. Okay. So what you are suggesting with that is that your clients directly paid your utilities. In a way,

yeah, because they paid me for. They paid. You made you, which means it would have hit your account. And it would have gone out from your account to pay your bills. So we would have seen that income. That income would have been visible. But I don't always use, uh, sometimes it's cash.

You're a dumb son of a bitch. I just asked that earlier and you said no. You just asked that earlier. Yes, and you said no. No. Well, was it cash? Huh? Undeposited cash?

No. It was, it was, it was, maybe I didn't put that statement in there. Yes, that's what you said. No, I think that's what you... Oh, my, dude. Oh, he is... Good luck, man. Honestly, good the fuck.

I don't know. I'll give you a financial audit, but I don't know if you have the ability to make it in life. You might need to be shackled down in a job somewhere forever and coddled. No.

How are you surviving? I'm doing good. How are you surviving? Are you happy? Are you happy? Are you happy? Okay. Well, is this?

Yes, I am happy. Really? Doesn't look like it. I'm not happy talking to you, but I'm happy in life. But I do know, I mean, this is sad. Sorry, I didn't have this note. If this is why you're a little kind of funny right now, I didn't know your ex just passed away.

What? You told the producers your ex passed away. No. You are. Colton, did he tell you his ex passed away? He did. Well, he did. So what the fuck?

Well, she almost did. Just kidding. Just kidding? Yeah, no, she's not dead. She's like. I mean, she's dead of me, but not. Well, that's different. That is very different.

I was going to be very empathetic. She's dead. So you guys broke up? Yes. How long ago? Long time ago. Why do we care about this? What the fuck is happening?

You're the one that brought it up. Yeah, I thought maybe you were in a little bit of a slump here because you literally just told the producers your ex passed away. Nope. So what is your plan, big guy, before we jump into these finances? Because you know you have debt, even though you say you're paying them down and the balances are going up. And it's interesting how both of that can happen at the same time.

But what's your plan for paying off debt? I want to hear your financial plan. Well, I mean, I got to stop going out. That's just so cut back. Right. Let me summarize our entire plan. Cutback. Yeah.

You have no other strategy behind cutback. That's all you got. Well, I mean, if you have a lot of stuff coming in, you got to, you got to, you got to, you know, you got to. Give me a detailed plan. Start to end your financial plan. I don't have one. No, no, no. What you would think.

I want to assess just where you're at in your knowledge of finances, what you think. If I'm assigning you right now, needing to come up with a financial plan, leaving this door, what do you do? Go back on expensive. You have kids? You have children. I have eight. Ladies and gentlemen, a financial audit.

This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting that, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budget. app, you get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what?

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Dollarwise. com. Let's f*** go. You have eight kids. Yeah. I'm just kidding. I have two. Dude, are you...

Okay. You don't... All right. I'll be serious now. Have you not been serious? Yes. Listen You have two kids

You have two kids You How old are they Five and 12 Do they live with you? Half time Really? Everything

It's no longer They're taking care of It is no longer comedic When kids get in the picture Excuse me do you have kids I don't know I don't know what that has to do With you not taking care of your kids

Well I'm taking care of them Every time I push I give you something that you're doing wrong. You're like, well, do you? It's like, what the... You're a child. And you have children. Yes, I have children, too.

It's always the dumbest people that have the strongest nut. Let me tell you. Fri-a-man. What's your detailed financial plan leaving here? If I had to assign it to you, tell me what you would do. Like I keep saying, I would get rid of stuff that I have cut off, you know, like stuff that I don't really need, try to get rid of stuff like a truck, try

I'll try to minimize stuff that's talking about it's not going to help you think but keep trying minimize expenses that are not necessary oh that's the end of it that's our detailed plan well I mean that's a start you know good that's why I'm here oh

that's why I'm here there it is there it is I'm a bingo ding ding ding ding everyone wins a fucking delto great no you can take yours off Huh? He thinks his brain is so fast with his little zings. But you just said to take mine off? Yes. My dildo.

So can we get back to the topic? You are a creature that I have never come across. A creature like yourself, man. My pleasure. It's very interesting. And you feel like you always have to fill the space with a word like that, that little response. Yeah. You don't have to.

You're so weird. And then you're incapable of actually like... Or are you to tell me how to think or what I'm not to say. But didn't say either of those. What? I didn't say how you think. Oh, in terms of you filling the air? Yeah.

Well, based off the 30 minutes of this conversation where you've done that every single time. There's the first time he did it. Oh, there is. There is. He did it. He figured it out. Okay. Where do you think your finances are zero to ten?

Zero being the worst, ten being the best? I'd say like three, three, four. What do you think? Because I'm not, like I said, I'm paying stuff off. But I mean, it may not seem like I'm going anywhere, but stuff's getting paid. That's it. That's your whole score. Okay.

He's max, max three-fourths of a sentence. What you're capable of forming. We all have that dream trip. We've been wishing we could go on, but too often life or usually price gets in the way. That's why Priceline is here to help you turn your dream trip into reality. With up to 60% off hotels and up to 50% off flights, you can book everything you need for your next adventure. Don't just dream about that next trip. Book it with Priceline.

Download the Priceline app or visitpriceline.com and book your next trip today. Right. If you watch your score, go to Caleb. hammer.com, take the assessment, figure out where you stand in the world of finances. And if you don't want to be like a guest on the show, make sure you sign up for our Dollar Wise budgeting app. You can take the free trial. And you can sign up for the annual version that saves you a lot of money. And it also allows me to sign a budget from the cookbook and mail it directly to you.

And you can sign it for Dollar West Central as well, which comes to the premium version and all of our educational material bundled together 80% off Dollarwise.com. You get it for free, big guy. If you can figure out how to access it when we send it to you. You get it for free. You're pretty sure what? I'll pretty sure to figure it out. Do you have a computer?

No. Of course I do. Come on. Who doesn't... No, I believed you. Well, don't believe me. I do have a computer. Don't believe you.

So your version of trying to make something quippy is by the three times now in 30 minutes. So once every 10 minutes on average. Saying the wrong answer and then saying, I'm just kidding. Let's get him to the comedy mothership, ladies and gentlemen This guy's going to be a new regular there Rogan, get him on More like, um Frick, what's his name?

Well done. You really did that. You did that incredibly. Thank you. Okay, Apple card. So what's going on with this card, big guy? What's going on here? Whole lot of expenses.

Detailed as always. You know, yeah, so pretty much that you see there is, you know, on vibes experiences. What do you mean? Yeah. Bad explanation, if I'm being honest. Try it again. What do you mean? There's a lot.

I mean, don't you see what's, what purchases I've made? No. It's the first page, you silly goose. Okay. I'm asking you what's going on with this card. I like to see what a guest thinks about their card. before I go into it to see if they even know what's going on or to see where their head is at.

Maybe let's try to answer the questions I ask so I can try to proceed to this conversation and actually give you something helpful by the end instead of being an incompetent dick. How could it be offensive if it's true? Okay, first of all, I'm not 100% in love with your tone right now. What's going on with this card? That's a very overall use card, you know, groceries.

There's a couple of car parts in there. Okay. So business expenses too. Yeah. So it's an everyday card plus business. Yeah, you'll see that there's a couple on there like that. You all right there? Okay.

My burp? Yeah, it won't seem like you're going to pass out or something. Hey, I'm just asking if you're all right. You don't even get all hostile or... I'm not. I just burped them. Just a little confused. All right.

So your balance is $5,987. About that. as of today it's actually a little bit higher just a little bit though good dude we're paying off our debt we're paying off our debt we're paying off our debt huh okay

what's the new balance just a couple hundred bucks what is the new balance you tit answer the question 6,800 something 6,800 something 6,000

8 that's not a couple hundred dollars that is $900 higher? Couple hundreds. That would be a few hundred. Oh. So, hold on.

You are, you're from Central Coast? Yes. Were you born there? No, I was born in LA. Okay. Then I don't know why you don't know words. I'm asking your questions. No, you're not.

You're saying, you're saying where do I, where was I born? And I said no. Not from $200 more. That was to just $200 more. $900. $900 more. Yeah. It is 900.

So that. Pull it up on your phone. Pull it up on your phone. That was actually. Pull it up on your phone. That was a trip to Italy. You went to Italy. Yeah.

Who the fuck are you? You have a child plus one to take care of. You don't make money. You sold cars. already had and you're considering that income, you don't make shit. You've abandoned your children. Not at all. You split.

Pull out your phone right now. What do you want to see on it? The Apple card. You f***ing creature. Settled down. Dude, if he just answered my questions, I would be so civil. I would be so civil, but nothing upsets me more than someone who just can't answer a basic.

question parking Apple Bill Frontier Airlines Southwest Airlines Double Trip Expedia there's car parts

going in against a bullshit you're going to the gas stations to get some bullshit minerals spread is something I don't know Western Village Crave mini donuts

Dominals going in getting some BS Craigslist you fuck you you're cruising No, that's for vehicles I post. Strictly business.

Good death. Dude, what is your minimum payment on there? I didn't see. Like 187? How about you actually pull it up and look? Because I don't believe anything you say. You would have looked. Yes, if I would have looked,

and I said I didn't, so I'm having you pull it up again. This is how this works. You're wearing a fake wash t-shirt. It doesn't make you look good. Thank you. So you don't look good as well. Okay, yeah, what's the balance big guy?

172. Do you need to see that? It's a 172 minimum. Okay, so it hasn't benefited. Do you need? No, as long as you've read it, buddy. As long as you're not trying to fly or something, which I don't know. Well, are you going to say just kidding?

Are you going to pull the fourth one? I ain't saying nothing. 172. I'll show you. You want to see it? It's okay. Okay. When we talk about personal finance, it's about risk management.

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Realistically speaking. Realistically speaking. Like two to three years. This guy's, okay. 20 takes, but see, so I don't see. I don't see what, it's 20. Yeah. But at the same time, I'm getting something out of that, you know?

I'm getting trips. you know. You're getting trips. Yeah, I'm getting trips. Out of someone else's money that you're getting interest or something. It doesn't take you forever to pay off.

Yeah, but I'm still paying it, so it's coming out of my pocket. Experiences, you know. Have you had any experiences? Yes. Why do you keep throwing?

You're so weird, dude. You are so weird. We go on trips with me and my friends, my boys, you know? Is that even a family with your kids? It's just you and your boys? Oh, teacher. I'm planning next year to go.

I take my boys. Can I let you know something? Can I just be honest? I don't think you're a good person. From hearing it, you don't seem like a good father. Oh. I'm sorry, but it doesn't seem like it. How, so, what do you mean?

Okay, you quit your job, you make no money. You sold, the only money you had was from cars you already had that you've sold. Now you're going on trips with the boys, putting yourself in a worst financial situation. That's not on everyday basis. You can get evicted. You can struggle paying for food. And the kids that you have to take care of half of the time are, there. So, fuck you. Yes, that is

what a bad father would do. You don't prioritize boy trips over taking care of the kids. I take care of the kids. But it's on debt now. Once the debt's all maxed out and you can't open anymore, no, you won't. Well, the debt's not maxed out. You don't have a job for two months and you've only sustained yourself by selling cars you already had.

I have a, it's, now it's, it's, this past month was low. This past month was was a lot, not a good one. But you've had two months. Not that in the world. That's 50%. Not that on the world. The only reason the first month did well, which, by the way, I actually don't believe, because once I called out the second month, you're like, oh, wait, no, I didn't do well. But either way, if your first month did do well, it's only by selling, it's only by selling the cars you already had, the vehicles you already had. Italy was three weeks ago.

Fuck me, man. And it was a boys trip. It was, that's not what a good person does. You don't fuck other people, and you could be, f*** your kids. They don't have a college fun. You can get a fixed. putting food on the table gets hard when you don't have money you don't put the boys strip over that dick

in my defense that my kids are taking care of right it's not like it's not like oh how they're taking care of well yeah they have a roof under the heads until they don't you think no one loses I lost my train of thought you freaking no no go ahead why they're taking care of go on please they're taking care of yeah they have food uh you know food to eat um they got clothes you know so it's it's never you know nothing's been an issue with them Close probably debt.

Food probably debt until they're maxed out. Nope. No? I have, you know, there's jobs that I have, you know, I pay cash and I, I get them stuff. Okay. IRS, ring ring. Okay. But it's like, what?

It's not like, you know, freaking. In your rent, right? Yes. Yeah, 7.8 eviction filings occur per 100 renter housings in California. a year. 7.8% of renters get an eviction filed against them.

And you suggest that no, it's okay. They have a roof over the head that it's not a permanent thing that is almost 10%

get an eviction filed against them. That's substantial. Okay, well, I don't wait to get to that point, you know? No,

at some point it doesn't become a choice unless you do something illegal going around the road you're headed. You've lost the things to sell

other than one truck, You're bringing a thousand from your business. You spend it all on boys trips. The food and clothes goes on debt. Debt gets to be maxed out. You can't open any more debt except for payday loans. And eventually they stop approving you. Then you can't pay it right and you get evicted and then good luck ever getting a place again.

Yeah, that's all what if, should have could have. No, no, no. That's what happens to real people. That is not what should have happened. No. That is not in the past. That is the future. Okay.

These are possibilities. These aren't hypotheticals of the past. these aren't hindsight's okay this is what happens to people right now and you think nothing of it again that is what a bad father would do you thought a lot about it

yeah you say it's not possible so you haven't thought about it at all or you've just completely found some some cope there's other dads out there that are doing way worse you know what does that mean just because the dad is hitting their kid doesn't mean you're not being able to pay your rent is good

I but I am paying me my rent. For now. Do you not understand what I am saying? Well, that's what I'm trying to. Nearly one out of ten renters yearly. That's why I'm taking, you know, control of it. Oh, come on.

Dude, three weeks ago, you and your boys were giving each other blow jobs on the plane to Italy. Oh, I wish what I think was you on? Huh? Huh? Oh, and you're buying a $540 Gucci bucket hats. You're douch. No.

Yeah, you're kind of a douche. In my defense, I have had everything. already so. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank.

What did you sell it for? 300. Yeah, there's no way in house. Probably just to survive and that shows us how close you are. By the way, so in the last month on the Apple card, Apple Bill, going into getting into bullshit.

Okay, tell me when you go, go to the gas station and you spend three to five dollars. What the fuck are you getting? Energy drinks. Of course. Oh, there it is. Oh, look at that. Why don't you?

Bring it into screen for everyone, not sponsored. Show them what you got. There you go. All that instead of a roof over his kids' heads permanently in the future. That makes no sense why are you not buying a bulk? Why are you not going to the Costco or the Sam's Club? Or even just fucking Amazon at that point, buying individually is brutal

brutal I mean in my defense too I buy the little caffeine pouches so those are like six

pack of what six to eight for two bucks but then why are you going like every day and then lime ride pizza what

Lime ride Piazza Lime ride Lime ride You got to say it right Piazza Piazza Missouri Ford

Buna Bartay Piazza, so this is in Italy, Smith Heathrow, that's not. In-N-Out Western Village, La Mia, Nick the Greek, Baskin-Robbins, going into the liquor store.

There's the cope we found it. It's ridiculous, my guy. Listen, $620 of interest charges here alone on this card, which is substantial for your zero-dollar income, essentially. 23.24% interest rate. 23%

that's not bad it is but I'm not gonna even go down that like okay how do I even okay

what's an example I can even say why do you think it's not that bad because like I said it's why do you think

23 is not that bad because it's like I said there's people out there that are paying way more interest tell me how that

makes yours not bad though I mean it makes me feel not like it's not that bad so it's a cope you're

coping. Yes. But that does not mean it's not that bad. Correct? To me, to me it does. To me, what is the to me? Some things are objective realities. This is objectively bad.

You disagree? I disagree, yes. How, please tell me. It's not objectively bad because other people have a worse? Yes. And because other people will have a worse, can you tell me why that specifically makes it not bad, regardless of your feelings? Well, I mean, not that it's not bad, but it's like, you know, that's what we were just talking about. I just don't see it that way.

That is not a response. What good am I going to be out of stressing over a credit card that at the end of the day I'm still going to have to pay. You wouldn't be spending on it in that case. I'm bullshit. I'm piazza. Piazza, yeah. Uh-huh, you wouldn't be spending on it. Well, I'm not spending on it anymore, so.

Okay, I just saw it. Yes, you are. since we got the statement, which was last month, it's gone up $900 or a couple hundred dollars. Yeah. Well, it's not going to go on no more. That's not an answer. That's not an answer. That is, see, and this is what the worst or the worst to do on the show.

The moment they are backed into a corner to try to explain what they've done or what their mindset is, they said, well, I'm not doing it anymore starting today. That is not an answer. I have no proof of that. I have no trust to that based on what you've done. You do not get out of a point by saying, oh, I'm going to stop it at this exact moment. That is bullshit. That is not. Okay?

Because I'm, yeah, I'm going to stop, you know. I hope so. After a trip to Vegas. You're going to Vegas? Fucking when? I don't know yet. Maybe next month. Maybe sooner.

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Learn more at Schwab.com slash trading. It's not booked? So you didn't even booked it and you're planning on doing it. And you think you're willing to do that after this show. You're willing to do that. So it's, I'm going to die it after this week. I'm going to have one more week of fun. Then no one ever starts.

Hey, but it's a might. It's a mite. A mite is nothing to me. You told them it's already booked. Yeah, they're chatting to me. They know you. They know your entire life. They're telling me it's already booked.

Is it already booked or was that I'm just kidding? Huh? Yeah, it's booked, but not by me. By who? By some friends. It's a boy's trip? No. What is it then?

It could turn out to be a boy's trip. So you're a douchebag. You are a douchebag. Good. And you have to Venmo them? No. Okay. So you don't have to pay for your ticket.

Yeah. You do not have to pay for your ticket. No. Why? It's so. So this was actually a bet that, you know, we had it going on and one of them, one of the friends lost. And that bet was that if he lost, he would have to cover a, you know, a trip out to Vegas. What was the bet?

that So one of our friends is lesbian and she does not give off lesbian vibes so we tricked them into because she was into

like she went up to him and tricked him into what? Like that he could have gotten with her so the bet was that he that if he did which he thought he would of that.

Someone not attracted to men. Yeah. Yes. Both that. And then he pretty much said he's like, it's the done deal. And little did he know that. That she's lesbian.

Yes. So he owes us a trip to Vegas. Okay. And he is paying for everything. So you are paying for no hotel, no food. No hotel, no food. No gamble. He's paying for your gambling.

No, I'm not gambling. He's paying for your shows, whatever you're doing that. Everything. Not one cent from you is being spent. Well, I mean, maybe like a hundred bucks me, you know. Uh-huh. And where are you getting that 100? Let's go.

From. Okay, they are calling you out. I don't know what you are if you're on camera and nervous to tell the truth, but they're saying he loves going to a casino. Don't let this talk fool you. No? Sorry, I stole the camera. or I'm sorry, the microphone.

So here's the thing. We were sitting in the green room, and Mateo gave me his cell phone, right? And I was trying to log him into, he was having an issue logging into the guest Wi-Fi. And as I was holding it, he got a text message from somebody and then the name of Chumash Casino.

And now here's the thing. I'm going to call myself out. I love Chumash Casino. So we had a long conversation about Chumash Casino. And the thing is, I know he lives 30 to 4. 40 minutes away from there. I know that he told Colton when they had their pre-interview phone call that you go all the time. But then he also told me that he's now maybe going to be doing some work with them, which here's the problem.

When you get paid by a casino, you spend it at the casino. So that's what I know. Colton, did I miss anything? I'm also going to Vegas in August. So we were talking about... Okay. Yeah. So Colton's going to Vegas in August.

You told Colton that the trip's already booked. So, yeah, I feel like you're skirting around some things here. You're a lying piece of shit. No. Come on, you just told me. How can I trust the word you say in this conversation? You certainly can't trust that you're going to change anything after this. I'm trying to be as honest as I can.

No? Yes. No. Objectively not. That's happened maybe one other time that we filmed. That is not an indication of someone that tells the truth. Yeah. These fucking children, man.

You're going to have to get Dean Withers on the case for this one. Dean Orthers. Okay. The Freedom card. Oh, wow, one card in. Oh, geez, fuck me. Freedom card. What is this?

Freedom card. What's going on? That's an overall credit card. That's what you said for the last card. Yeah, this one as well. Surprise. So it's not the. It's one of many.

Okay, so are they all overall credit cards? Yes. What are you doing with this card in your... What do you even think you owe on this? On which one is it? A Freedom card. Chase Freedom. I think there's one that's like $1,200.

There's two Chase Freedoms? Yes. Oh, shh. $3,448 with a minimum monthly payment of $109. $13 to pay this one off. Both kids will be out of the house. So that one I tend to use a little bit more if you see transactions for vehicles

for so business. Well, I saw that on the other card too. Yeah. Like I said, it's dispersed all But it isn't either. There's come wash sports bar. Whoa. And there's no sports bar in there.

Come wash sports bar. And Mercatio can a urter some. I don't know. But yes, there is a lot of auto spending in here. Now, does that make sense if you can't pay it off

in interest is accruing? if you went into O'Reilly and you bought a part would you pay 30% more for that part if there was a 30% tax on it? No. Well, that's what you're doing because you put it on a card with a 27.99% interest rate.

So you're paying. But I mean, essentially I'm going to get that money back. No. No. Yes. Well, you're killing your margins because let's say you have a 60% margin. Now you're killing that by half.

Like I'm going to make that back. Yes. So you're going to do a 30% markup than the market demands for these car repairs. More like a 20. A 20% markup over the market. Yeah. So why are they hiring you? Clearly they're not because you're not making dick. But why would they hire you if you're 20% higher than the market?

Because you have to be in order to make up for what you put on a credit card. Yeah. Yeah. Why are they hiring you? Because it's, they know me? No. you made $1,000 last month. Why are they hiring you at a 20% markup?

Which even still does not cover that 30%. Who do you mean by they, though? Customers. Because they know me. You made $1,000 last month. Yes. So why would anyone pay 20% over market rate for these? Because there's certainly no other mechanics.

They're not going to pay that 20% less and go to the store themselves and do it. No, no, no, no. I'm saying compared to the market because your costs are higher to run your business and get your parts. If they go to an other mechanic, it would be 20% less. Well, yeah, but like I said, that goes back to them knowing me. You made $1,000 last month clearly. People knowing you is not working. You're asking why they go to me versus.

Okay, so we're relying on like five people going to you. Give or take care. Five people is not living. Is there an other part of this household? Are you alone? Yeah. What's your rent? 22.

It's not bad, is it? For California. Oh, shut the fuck up. It's not bad. Shut the fuck up. Still not bad. Shut off, dude. Look, content creation takes a ton of time.

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That makes no sense. How could you, how, how, how, how, how, how, you're suggesting you're never going to. to be one of the one in 13 people in California that are going to get an eviction filed against them this year when your rent is double what you brought in last month without selling a vehicle and you only have one vehicle to sell left and then you're done because even flipping a car, let's say you flip more cars, right? You have to have money to be able to buy the thing that you're flipping. Even if you're buying it on the cheap selling it a little more expensive, you have no capital.

You have no capital. You make no money. I'm going to start making money. No, it's important. What do you mean? Okay, what's the strategy? besides charging 20% more than anyone else does? Which is a winning strategy and very bold.

I think I'm just going to get another job and then... Well, there you go. Now, that's an actual solution. Yeah. Why'd you quit your job to begin? To kind of go on my own, but... With no plan? No plan.

Well, I mean, it was an idea, but, you know, nothing set as to... No, no, no, it wasn't just an idea. You quit your job. Yeah. This was not just an idea. Well, I thought it was going to be a lot easier. Why? What would you suggest that? How many successful business owners are there? Businesses fail in the first three years endlessly.

So what the fuck you're talking about? You thought it was going to be easy. You know nothing. I mean, one's naive. Why did you think it was going to be easy? Because I thought I had the right people around me. Right people around you for what? Kind of advice, you know? Advice. Okay. What would their advice be that you took that has not worked? Um, I don't know. That's a tough one.

Now I know why you actually left. Because, again, you either don't remember the real answer or you're too nervous to say it on camera or you're a line piece of... But your coworker influenced you to leave. And I am not surprised because they showed up every day to work and you were there. Hey, that was good. I'd influence you too. In fact, I'm about 30 minutes away from influencing you leaving the studio.

You've had a late fee this year so far. So not only the interest alone. Just one. It doesn't matter. It's a late fee. You are paying money to hold a balance. That is accruing interest. That is preventing you from ever having a successful business and of any kind ever.

Why does someone like you think you can even go to Italy? That doesn't, you can't even come close to it. That was before. Before that. It was three weeks ago. It was three weeks ago. you were still an entrepreneur at that time. Oh, boy.

Ladies and gentlemen, yikes. Hundreds of dollars in inches accrued that year, this year so far on that card. PayPal credit. Oh, that's going to be. What's going on other than this is just a card I use? So that one is more online purchases. Online?

Online because I haven't set up two words. Check out is That's so easy Yes Well you've Online purchased Obviously Endlessly

Because you owe $3,835 and 95 cents 14 years to pay off That's with the minimum though Right With the minimum Without any purchases

But again you purchase $244 So fuck you And you only put on it Towards the minimum So Oh fuck you Right back at you

$125 is your minimum. Oh, it's for Airbnb. What? Italy? The Miami. I actually took... What? But that was...

For what? That was a while ago. No! Yes. It was less than a month ago. Yeah, that one was... Sorry, I got a little mixed up. Yeah, that one, there was one in there for Italy.

Is that mixed up? Yeah. How do you get mixed up? Because I... You travel that much, you dick? You have kids. You're a father. Well, fathers can't travel or what?

No! Not when they can barely keep a roof over the fucking kids. They have... You don't pay child support. No. Because you got 50-50 custody. You get any money? I know you get maybe a part of a tax child credit.

Mm-hmm. Just at the end of the year when I do Texas, yeah. Yes, which. Ha-ha, good luck this year. Air fucking B. Air mother, f***, be. Yeah. Those are a lot cheaper.

No, it was for this. No, it was for this. I have the fucking notes. Use this card to pay for the music festival, trip to Miami. And you admitted you travel to impress women you're dating. You wanted to oppress a woman that you were flirting with. So you took her on a trip to Miami. Oh, my.

These are the people making children. The trip was $2,000 in total. The trip was in $2,000. thousand hours in total. Yeah. That's, that was a couple years ago. So. You can't travel just to impress women, dude.

That was that one time. Why the fuck are you telling producers that? See, I don't believe you because you tell them stuff when it's like, oh, the camera's down on, everyone's a lot more willing to share. And all of a sudden you're on camera and it's like, oh, backtrack, backtrack, backtrack. Shut the fuck up. That was just one time.

Shut up. Don't believe you worth anything. You've lost all credibility of this conversation. Oh, wow. What you don't think you have? You've lied just kidding multiple times. No. Great rebuttal.

Okay. Really convinced me. How many layfews have you had this year so far? On this card. On the PayPal. I want to say one. Okay. Three.

About just half this year so far. Yeah. Father of the year. Thank you. That's not cute. That is not cute. That is not funny. You are a father.

It's disgusting. Disgusting. Hey, father, I mean... It's disgusting. You got to think about mental health, too. You know, I need to go out too to kind of, you know. You don't know what... You're flying to Miami for...

Sucking dick in Italy. Whoa, whoa, whoa. That's something you probably would do. Yes, I would go to Miami and... Sure. No, Italy. Oh, sucking dick in Italy? Yeah, that's something you wouldn't do.

I'm okay. Like I said, it's something... Yes, it's not, you know... You know you endlessly just do the... I'm rubbery. your glue, anything you say to me sticks to you. That's your entire existence. Sure.

You want to call it that? There it is kind of again in a different format. Yeah. So like I said, it's something that, that, you know, takes me off, you know, kind of. Yeah, but it's endlessly and it's your entire household financial situation which impacts your kids more than you. Come on. Being in a slightly upset mood for one day.

Unless you're a horrible person that takes it out of them. Then I don't have that fear. You don't know me. Are you something that beats your kids? No, the hell. Then why are you saying that? Well, yeah, you're making it seem like, well, you're saying I'm a horrible guy. I'm not.

I just said, unless you are and you said, well, you don't know me. Well, yeah, that's what I'm saying. Like, I'm not. Dean Withers. Thanks for keeping us on our pacing, I guess. Thank you. Do you like a producer role? Yeah, you have some deferred interests happening,

but that is for a very small balance compared to the rest of this, which is that basically 30%. Is that the freedom? We're talking about PayPal. Oh, buddy, the freedom was like 15 minutes ago. What's because there's two?

PayPal credits aren't even similar. Oh, no. Oh, why, why are you breeding? Bread, not breeding. You're getting bread? Said bread. I told you guys. He's the one who gets bread.

Yeah. With the boys. You. In Italy. Something you would do. Good one. Bonvoy card. We're the Hartford.

With decades of experience insuring millions of unique small businesses, when it comes to your small business insurance. Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. What's going on with this, I dare ask. So that one started off, uh,

just, uh, going to be actually pay for the tickets to Italy. And then it turned, wait, I saw, hold on. I saw flights on,

I saw flights on the apple card. Yeah. From, from, from two different flight places. Yeah. So what, how many trips are we going on right now?

None. That was so the Italy was a little dispersed. If it makes sense. So you know, it doesn't. I used. multiple cards out there. On one purchase?

How many flights did you buy? Were you flying around Italy? No. We already had two flights on your Apple card. What do you mean flights on your? So not flights. I could have sworn I bought the tickets with that card. Okay, so you owe $5,149.99.

91 cents. With the minimum monthly payment of $157. And the balance is a little. A little higher. What do you have right there? Bonvoy card. The balance. What do you have right there?

So what am I asking? What I have known that? $5,149.99. $1.61? $6,000. Flat? $100. Okay.

Eighty-six. Oh, for a fuck sake. Okay. Which is not bad, actually. Minimum. What's the new minimum? $200. and let me pull it out before you scream at me.

I'll get you on the FizzCard. Depp a card that builds credit. That way it actually controls your spending. I'll also give you a course career certification so that you can go get a fucking real job. What is a real job? Uh-huh. What's the minimum monthly?

Oh my fuck with this guy. Oh my f***. It doesn't say. It's because I just paid. It doesn't give me the... I'll say $175. Good the fuck to us. I was going to say $180 something.

I was going to say shut the fuck up. $95 a fees! This is an annual fee. Then $105 in interest. It is an annual membership. Man, paying a membership to pay interest. What a blessed position to be in. $206 in interest this year so far.

Yeah, because it's relatively new balance. That's so fucking ridiculous. So fucking ridiculous. How long were you in Italy? Because that's also opportunity, Kasi, you're not making income. Just out there a week. Okay.

Destroying your life and your kids' lives for one week of pleasure. With the boys, getting bread. Nope. You're the one who said it, man. Okay, what about the second freedom card? Second freedom card.

So, again, that one's all over. A little bit of car parts. You should become a commentary creator. Right? Instead of a car creator. You're so good at talking. Right, yeah. $4,813 and $13, with a minimum monthly payment of $161.

16 years to pay this one off. $113 of interest accruing. Basically maxed out. No one's surprised. All these, you won't pay off any of these minimums payments only without any purchases, which we know you're incapable of. until the kids are out of the fucking house, which, oh my goodness, I can't wait for them.

Oh, you've had a late fee this year so far. Yes, I did. Why? Why are we having so many late fees? A ton on PayPal credit, one on both freedoms each. Bonvoy, probably. I didn't even take a chance to look

and same with the Apple card. Why? Why so many late fees? Pretty much payment. Customers kind of lagging on payment. Kind of set me back on anything. income, so hence the life fee. Well, walk me through that process.

A customer payment process for you. Yeah, so pretty much, um, they tell me I was, I'm going to get payment a certain date. I don't get it. And I mean, do you have a legal contract? No. But ask me if I do that. I do now. Yes.

Huh? I said from here on, I'm going to do that. Of course, from this exact moment. How many times do you lose payments because they don't pay? I thought these are people you know You said they're all people you need that. Yeah, it's due. So show up at their fucking door.

It's not that easy, you know. No? You can't walk? Can't drive? Yeah, I could, but. So what's the complication? I do give them, but it's just them. They're just, they're in a hardship.

You know, they're like, hey, why are you doing business with someone in a hardship? Why are you doing debt to someone who can't pay debt back? It's almost like you. In the beginning, they don't say that. You know, I go. I thought you knew them. Yes, but they don't tell me.

So you're like, okay, here's a $500. deal, cool, I'll pay you later. You come to them. Oh, I'm in a financial hardship. No, no, no. No. They, I work on their cars. It's going to be this much. Okay, boom. And then when I finish it, they're like, oh, they weren't expected. Pre-pay, prepay, prepay. Pre-pay. Pre-pay. Okay. I mean, that's what mechanics usually do is they get a

diagnosis. They say what needs to be done and then you have to pay for it and then they do it. Not everybody works that way. That's what the mechanic shops do, though. I'm not a shop. I know. You're right. You're a failed business. So maybe let's take a look at the, those who haven't failed. Okay.

So, at least you're the one getting scammed instead of scamming everyone like most mechanics, okay? So, well done. At least I'm an honest mechanic. I'll tell you that much. No, no, you're a moron.

When it comes to fixing cars, yes. Well, that's not giving me reassurance for the cars driving around Santa Maria. That just, be careful on the rose, ladies and gentlemen.

Well, that's the people. That's not. that's just people have you know driving they got to be careful on the cars yes they are driving when they're on the roads that's what I'm saying they got to be careful

yes be careful while you're trying I'm glad we both can agree that when people are on the road they are driving hey you're the one I brought it out no I'm not but you just don't know you don't hear yourself

I hope when you watch this back you find it I hope you hear what you're saying it's 27% inches right thousand hours this year so far. No, $616 this year so far on interest. Pretty bad, huh?

What was that? Pretty bad, yeah. That is bad. I almost want to give you a high-five for that one. Discover it. What's going on with this card? That one I opened up to consolidate all my chase cards. All the chase cards that have thousands on them?

Every time, ladies and gentlemen, can I just, I need to just like sound that plays anytime this happens. When someone consolidates, they don't change their behavior. They rack up their debt. Now they have double the debt. So, Moronic. And honestly, it doesn't even make sense because you're still purchasing on this card. That was a consolidation card to begin with.

Oh, you're purchasing on it because it's a 0% card. Is that why? 22 years to pay off, by the way. Good the fuck. You're laughing about that? You're going to be reaching the age when you can pull from your tax advantage retirement accounts penalty free. When this card is paid off. Okay, dude.

$143 minimum fee payment. with a balance of $7,000, the highest so far, $142.32.38. That's insane. How is your credit score $693? I have no idea. Because prior to those, you know, I was, you know, I had my.

So all this debt just recently just went up, you know. Well, when you decided to randomly quit a job and go to Italy? Yeah, who would have thought? Yeah, no income and spending all our money leads to, whoopsie, bye, bye. money. Yeah. A weird mathematical equation there that no one would have ever expected.

What are you purchasing on this? It was gas. Yeah. I think. Or car parts. I mean, the new purchase, yeah, are strictly just like, um. Yeah, but it's insane. You're just boosting it, boost and a boost in it, man.

And it ends in less than a year. It's just free. Mm-hmm. Inches free ends in about nine months with this, eight to nine months. Eight to nine months. Eight to nine months. So you, without making any purchases, by the way, without any making, any purchases, by the way.

You need to pay this off and you need to give about $893 to it on a monthly basis. 893 a monthly basis just to pay it off before interest accrues. Now, because it's not deferred interest, we don't need to freak out about it and actually do that. But that is what we'd require to pay it off

before interest hits. That's probably the worst one there, yeah. In terms of the highest balance? Yes. I would agree. Okay, Slate card. What's going on with this? So that one was, It was an old, or it's been an old one that just kind of lingers. I don't want to get it.

Well, you literally had $133.43.48 cents of purchases on it, even though $30.42 of interest is agreeing. Even though you are not paying it off. So is this lingering? No, you're actively spending on it. What are you talking about? You owe $1,330.42 cents. But I haven't used it in a while. Okay, you literally just spent on it, you actual dumb, you actual creature, you actual

mother-f-you actual formal father. What they, what they, what? It was this last month. It was this last month. There you go. June. Oh.

And it was car parts, which again, it's like, yeah, you got to do that for your business. But you're doing it on a car that is a green interest. That isn't lingering. You're boosting it. Yeah. Bounce one up, you tit. But I mean, how, how, I mean, when you have,

when you need to get a, a car fix? Like, I mean, do you, would you rather not fix it, not get the job done? Have you ever had a dream that, that you, um, you had, your own car or someone else? Somebody else's. Like, I mean, that's like, I would rather you go get a job that pays you instead of you trying this on your own because you're a complete failure. No, not yet.

Yeah. No. No. Literally yes. Literally yes. I beg to differ. How? Because.

I think when you're a fit. you're out on the streets, you know? You're almost there, man. You have no idea how close you are, which is very scary and very upsetting. As a father, $43 is your minimum fee payment on this. Five years to pay off.

But see, the thing is that what you don't see is, I don't always give the minimum payment of those cards. You know, I always try to get more. But you had late fees on almost every card. Look, that was just last month. No, you had half the month so far on the, PayPal credit alone, and the rest were just minimums. You put a little more than the minimum of this,

but it didn't matter anyway, because you still spent on it, and the balance went up. So that makes no difference. So do the thing where you shut the fuck up, and I'll be happy. No. Hey, creature, apparently open a new card, right?

Isn't that what we talked about? Yes. At the beginning, so pull it up. Let me see. Pull up your new card. Not the card itself, the app on your phone. For which one? Your new card.

Are you saying there's multiple new cards? No. Then what's one do you think I'm talking about? Oh, for a second. Okay, saver. It's a saver card. Well done. Halfway to max out.

You owe $227.40. Expected, not expected transactions, recent transactions. Yeah, so that one's been... Okay, guys, I have an announcement. I have an announcement. He went to the restaurant downstairs right before coming on the show. Yeah, right downstairs, he just blew almost 20 bucks. Before coming on the show where I'm millionaire about his spending.

Maybe he didn't think I'd see this statement, but that's not a chain restaurant that is a local one-off restaurant at the sandwich place. Yeah, he went to it as pending right now. Before coming on the finance show where his purchasers are right. Dude, you're a, dude. Winning got some bullshit. Winning got some bullshit. Little Caesar pizza.

Winning got some bullshit. Oh, winning got some bullshit. Got some bullshit. Got some bullshit. Okay, here's all the monster purchases now. Monster, monster, monster, pollo, zucchini, interest past doofy. You just opened this card. Okay.

Yeah, just take that. Okay, apparently you have a car loan. It says, set an order, pull from the last statement. Colton's saying you probably haven't attached it. I can pull it up. Again, not sending us your statements. It is a 2016 Tahoe. Okay, what do you owe on it?

22. Sorry, 19,000. 19,000, you want $1,000. What's your minimum? Monthly payment. 9. Sorry, 592. What's it worth? Right around 18.

That is true. Still underwater, but at least it's only $1,000. We might actually sell it and do something different. Except you're going to say you probably need it for work, but your work is a bullshit, and you're going to go get a real job, so I don't really give a shit about that excuse. What is the interest, right?

You're going to be surprised for that one. How high or how low? Because with you, I don't really know. So this one actually was low. It's 0. 3%. Or 3%? 3%.

3%. 3%. Okay, 3%. And what is your minimum fee payment on the saver? I didn't put that in. On a saver? 25 o'x, I believe. This car loan is so substantial.

Huh? What is it? Saver? He can't do two things. Okay. Do I need to let you focus? Yes. No, no.

Focus, guy. Almost there. Okay. It doesn't give me $10.17. It's selling me the minimum payment. Oh, sure. Whatever. I'll say 11 bucks.

Yeah, this car is way too expensive for someone on your lack of income scale. If it was your previous job, it actually probably would. a fit, but now it's not. So you got to, can you get your previous job back? No. Why? Because, there might be conflict of interest. We'll deal with that in the post show.

You know what we're actually going to have you do? I'm going to have you call your old boss and ask for your job back. So we'll do that in the post show. Okay, checking account. That's it, right? No more debt. It doesn't look like. $146.

That's not a lot. A snap on payment, so you have debt to snap. on. Not anymore. No. That was your last payment. Yes. Well, you'll fall for it again.

People like you always do. Zelling out money. ATM withdraw. Who knows where the $100 went? AT&M would draw. Who knows where that's $600 when? Pandisick, who knows, that's the food.

And Zelling money out, $45. Far West Liquor. Cope drink. Sure. Sure. I need if I was around you too. Carciana. Snap on.

Going against some BS. ATM. I'm going to draw $180. Where does all this cash go? Bills? Like utilities. Trash. Yeah.

Cash? Those, I pull it out. Yeah. In cash? Sorry. No, no, no, no. The look of curiosity that Lindsay is giving you right now is like, what the it's, yeah, it's to pay some bills.

Not necessarily, it's more like people I owe money or whatever. But I don't, I mean, I don't know like high amounts of money to anybody. So it's just. Huh? I'm sorry. I'm sorry. Listen, you're beyond me. You're beyond this conversation.

And it's not a give up situation. I'm going to pay for him to sit down. I'm going to pay for him to sit down with a budgeting expert. Sometimes we do that when people are too lost. This guy's too lost. He can't handle this conversation. I need someone who's willing to baby him from about five hours. But you're done.

You're done. Honestly, and your budget is obviously because you don't make any money. That's why we're going to call your old boss in the post show, but you're done. Your financial score is zero out of ten. I mean, you're so beyond done. So make sure you come watch this in the post show. Maybe we'll learn more about that debt to friends, but we'll certainly call his old boss and ask for his job back. That is for fission.

See you in the post show. You are calling him right now. I don't give a fuck. You're calling him right now and you're asking for your job back. This is crazy. Hello. So I'm trying to see if there's still an opening. If I can get my job back.

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